Call reports 2019
CITIZENS TRUST BANK — 2019
What CITIZENS TRUST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 403,920,000 | 417,766,000 | 415,079,000 | 418,130,000 |
| Total loans | 263,290,000 | 271,567,000 | 275,881,000 | 269,631,000 |
| Allowance for loan losses | 1,601,000 | 1,573,000 | 1,637,000 | 1,631,000 |
| Securities available for sale | 89,578,000 | 87,960,000 | 88,917,000 | 82,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,801,000 | 364,394,000 | 351,035,000 | 363,338,000 |
| Interest-bearing deposits | 232,881,000 | 242,764,000 | 242,001,000 | 252,040,000 |
| Noninterest-bearing deposits | 120,920,000 | 121,630,000 | 109,034,000 | 111,298,000 |
| Equity capital | 43,377,000 | 45,389,000 | 46,630,000 | 47,447,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,151,000 | 8,448,000 | 12,844,000 | 17,072,000 |
| Interest expense | 348,000 | 722,000 | 1,135,000 | 1,610,000 |
| Net interest income | 3,803,000 | 7,726,000 | 11,709,000 | 15,462,000 |
| Noninterest income | 1,211,000 | 2,367,000 | 3,683,000 | 4,908,000 |
| Noninterest expense | 3,667,000 | 7,275,000 | 11,308,000 | 15,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,347,000 | 2,915,000 | 4,254,000 | 5,286,000 |
| Income tax | 296,000 | 641,000 | 936,000 | 1,150,000 |
| Net income | 1,051,000 | 2,274,000 | 3,318,000 | 4,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,799,000 | 45,022,000 | 46,066,000 | 46,885,000 |
| Total capital | 45,400,000 | 46,594,000 | 47,703,000 | 48,516,000 |
| Risk-weighted assets | 288,305,000 | 290,768,000 | 298,321,000 | 291,913,000 |